Senior Credit Analyst remote jobs - 96 jobs

Job Description At IH Mississippi Valley Credit Union, we believe lending should empower people. As a Senior Credit Risk Officer, you'll play a pivotal role in shaping lending strategies. Your expertise in portfolio analytics and risk management will help drive sound decisions, ensuring sustainable growth and a member-centric approach. With a competitive pay range of $120,000 to $160,000, this is an exciting opportunity to grow your career in a collaborative and forward-thinking environment. In-office work is done at our beautiful headquarters on River Drive in Moline, Illinois. This facility offers a comfortable office setting with on-site gym facility and purposeful collaborative spaces to connect. Remote work is a breeze with easy-to-use tools to help stay connected. IH Mississippi Valley Credit Union: Our Mission We are a member-owned financial cooperative dedicated to helping our member, our team members and our communities along their financial path. At our best we are authentic, driven, and innovative. What would you do as a Senior Credit Risk Officer As a Senior Credit Risk Officer at IH Mississippi Valley Credit Union, you will be an essential collaborator who thrives in a data-driven environment. This role requires you to harness your analytical skills, transforming complex data into actionable insights that enhance our lending strategies and portfolio management. Collaborating closely with other professionals, you will identify risks and develop innovative solutions that prioritize our member-centric values. Your ability to interpret data effectively will drive strategic decisions, ensuring that our lending processes are not only effective but also aligned with the highest standards of integrity and performance. Are you a good fit for this Senior Credit Risk Officer job? To excel as a Senior Credit Risk Officer at IH Mississippi Valley Credit Union, a robust set of skills is essential. You must possess a strong proficiency in analytical tools to provide oversight of loan portfolios, ensuring all data is meticulously scrutinized. Your ability to translate data into actionable decisions will be vital not only for enhancing our lending strategy but also for fostering a proactive approach to risk management. Additionally, you will serve as a strategic advisor to senior management, requiring strong communication and interpersonal skills to effectively convey insights and recommendations. An in-depth understanding of credit risk assessment, coupled with a knack for problem-solving and member focus, will position you for success in this dynamic role. A collaborative spirit and the ability to work independently are also crucial, as you will be driving initiatives that contribute to our forward-thinking culture. EXPERIENCE REQUIRED: Bachelors degree in Finance, Economics, Business, Data Science, Statistics or related fields. Master's preferred 7+ years of experience in credit risk management, portfolio analysis or related financial risk functions. Advanced Risk certification preferred. Strong knowledge of credit risk concepts, modeling, regulatory frameworks and portfolio management practices in consumer credit, mortgage and auto lending. Direct experience with CECL, stress testing, scorecard development, or predictive analytics preferred. Ability to communicate complex risk concepts to senior leadership and board members Exceptional leadership, analytical and problem-solving skills SKILLS AND COMPETENCIES: Advanced quantitative and statistical skills Strong data visualization and reporting capabilities Deep understanding of credit lifecycle, underwriting metrics, and risk-based pricing Ability to communicate complex analytics clearly to executive and eventual Board audiences Exceptional attention to detail with strategic, big-picture thinking Will you join our team? Being a team member of IHMVCU is more than just a job, we want to make differences in the communities we live in and serve. Check out our careers page for more information including benefits ********************** Final compensation will be determined by various factors such as experience, specific skills and internal pay equity. Move Up your career at IHMVCU with this great opportunity! PHYSICAL REQUIREMENTS: Sitting: Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. Talking: Expressing or exchanging ideas by means of the spoken word; those activities where detailed or important spoken instructions must be conveyed to other workers accurately, loudly, or quickly. Hearing: Perceiving the nature of sounds at normal speaking levels with or without correction, and having the ability to receive detailed information through oral communication, and making fine discriminations in sound. Finger, handle, touch: Picking, pinching, typing or otherwise working, primarily with fingers rather than with whole hand or arm as in handling. Applying pressure to an object with the fingers and palm. Perceiving attributes of objects, such as size, shape, temperature or texture by touching with skin, particularly that of fingertips. Lifting Demands: Up to 10 lbs. Visual Demands: Visual acuity to do things such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading

As a Senior Credit Analyst, you will play a critical role in managing credit risk for BP's Gas & Power Trading Americas business. This position involves assessing counterparty creditworthiness, structuring and negotiating credit agreements, and monitoring credit exposures to safeguard the company's financial interests in a dynamic trading environment. Key Responsibilities Conduct comprehensive credit analysis of new and existing counterparties, including financial statement review, industry research, and market condition assessments. Develop and maintain robust credit models and methodologies to quantify and monitor credit risk exposures accurately. Collaborate with traders, legal teams, and support functions to structure and negotiate credit terms for trading agreements. Monitor counterparty credit limits and exposures, promptly identifying and raising potential issues or breaches. Contribute to the enhancement of internal control and compliance frameworks related to credit risk management. Utilize data visualization tools to present complex credit risk insights to senior management. Stay informed on market trends, regulatory changes, and economic developments impacting gas and power trading. Perform portfolio analytics to identify concentrations, correlations, and emerging risks. Drive continuous improvement in credit risk processes and systems through innovative solutions. Act as a subject matter expert, providing thought leadership and mentoring junior team members. Qualifications & Competencies Analytical Thinking: Ability to critically analyze complex financial data and identify key risks. Collaboration: Proven success working with diverse teams and collaborators. Commodity Risk Management: Strong understanding of commodity markets, particularly gas and power. Creativity & Innovation: Skilled in developing novel solutions and improving processes. Data Visualization: Proficiency in presenting complex data clearly using visualization tools. Internal Control & Compliance: Solid understanding of regulatory requirements in trading environments. Market Knowledge: Deep knowledge of Gas & Power Trading Americas markets, including fundamentals and pricing mechanisms. Market & Operational Risk: Familiarity with market risk concepts and operational risk impacts. Portfolio Analytics: Experience analyzing credit risk across diverse portfolios. Problem Solving: Ability to navigate complex and ambiguous situations effectively. Trend Analysis: Skilled in interpreting market sentiment and identifying emerging trends. Thought Leadership: Capacity to influence discussions and drive best practices. Trade Discipline & Compliance: Strong adherence to trading rules and regulations. Trading Fundamentals: Solid grasp of trading concepts, instruments, and strategies. Why join us At bp, we support our people to learn and grow in a diverse and ambitious environment. We believe that our team is strengthened by diversity. We are committed to fostering an inclusive environment in which everyone is respected and treated fairly. There are many aspects of our employees' lives that are meaningful, so we offer benefits ( ********************************************* to enable your work to fit with your life. These benefits can include flexible working options, a generous paid parental leave policy, and excellent retirement benefits, among others! We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. Travel Requirement Up to 10% travel should be expected with this role Relocation Assistance: This role is not eligible for relocation Remote Type: This position is a hybrid of office/remote working Skills: Analytical Thinking, Business Acumen, Collaboration, Commodity Risk Management, Creativity and Innovation, Curiosity, Data visualization and interpretation, Decision Making, Exposure Management, Internal control and compliance, Market Knowledge, Market Risk Management, Operational Risk, Portfolio analytics, Problem Solving, Resilience, Sentiment and Trends, Thought Leadership, Trade discipline and compliance, Trade execution and management, Trading and shipping data knowledge, Trading Fundamentals, Trading knowledge, Trading risk controls Legal Disclaimer: We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, socioeconomic status, neurodiversity/neurocognitive functioning, veteran status or disability status. Individuals with an accessibility need may request an adjustment/accommodation related to bp's recruiting process (e.g., accessing the job application, completing required assessments, participating in telephone screenings or interviews, etc.). If you would like to request an adjustment/accommodation related to the recruitment process, please contact us. If you are selected for a position and depending upon your role, your employment may be contingent upon adherence to local policy. This may include pre-placement drug screening, medical review of physical fitness for the role, and background checks.

SMBC Group is a top-tier global financial group. Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance. The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries. Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan. SMFG's shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges. In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients. It connects a diverse client base to local markets and the organization's extensive global network. The Group's operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd. The anticipated salary range for this role is between $145,000.00 and $185,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees. Role Description SMBC Credit Review Department (CRVD) seeks a Credit Review Officer. As a Credit Review member of CRVD, the individual will be part of a dynamic team responsible for the independent review and ongoing monitoring of the quality of the credit portfolio of the SMBC Americas Division. The individual will get a chance to review the underwriting and the portfolio quality of a diverse sample of SMBC's portfolios. As part of its mandate, CRVD challenges internal ratings while assessing adherence with documented processes, methodologies as well as regulatory requirements. The group reports to the Audit Committee of the Board and its function is independent of the relationship and credit managers. Role Objectives Execute and lead exams to independently challenge and assess the credit and financial strength of borrowers to determine if internal ratings and levels of credit exposure are acceptable Perform continuous monitoring of credit portfolios and document findings which will be communicated to management and the Audit Committee of the Board Prepare work papers, document exam results and conclusions Monitor adherence to documentation, limits and risk mitigants including review of covenants and perfection of collateral Ensure that exams are performed in accordance with policies and procedures Analyze findings and formulate conclusions and advice Qualifications and Skills Bachelor's and/or Masters' degree with minimum of 10 years of work experience in credit risk management, underwriting, lending or review with experience in diverse sectors including corporates and industrials, commercial real estate, energy, financial institutions, leasing, structured finance, rail finance, or subscription financing. Knowledge in credit analysis, accounting, corporate finance and/or research Experience with credit/loan risk review process preferred. Formal credit training a plus Knowledge of bank regulations as it relates to lending and risk management Knowledge of lending products, as well as capital markets/traded products Understanding of credit/loan documentation Strong organizational skills and the ability to manage multiple assignments concurrently Highly motivated with strong academic background Strong analytical and communication skills Ability to work independently within a team structure Flexibility with the ability to learn quickly SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required. SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com.

Job Level: Associate Job Function: Governance & Assurance Employment Type: Full Time SMBC Group is a top-tier global financial group. Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance. The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries. Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan. SMFG's shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges. In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients. It connects a diverse client base to local markets and the organization's extensive global network. The Group's operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd. The anticipated salary range for this role is between $84,000.00 and $135,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees. Role Description SMBC is seeking an Associate with commensurate experience / skills in credit risk analysis for US subsidiaries of Japanese parent companies. * Review & challenge of credit applications submitted by the front office(s) and prepare executive summaries / written recommendations to the management of the Credit Department. It is also expected to work with front office to improve quality of credit applications to expedite the approval process. * The coverage includes lending transactions related Japanese Corporates and their related financial products (derivative, hedging etc.). * The scope of the analysis and the review includes, but not limited to, obligor credit risk, projections, transaction background, deal structure, facility terms and conditions, US regulatory classification, profitability, and relationship strategy. Role Objectives * Conducts required analysis of various credit risk elements for new and existing transactions for corporate credits in coordination with front office and senior management based on the solid knowledges around financial analysis and US regulatory requirements. * Prepare written executive summaries/comments of credit applications submitted from the front office and present to the management of the Credit Department. * Controls deal and credit approval process, ensures appropriate communication with all relevant parties, with adherence to credit policies and approval authorities. * Analyze client's financial performance, and continuously monitor risk events and quality of portfolio and promptly reports on key events (i.e. downgrades, event of default, etc.) to management. * Participates in the periodic meetings to review specific borrowers and sectors to support front offices to set appropriate action plans for deteriorating credits. * Engage with front office to assist with due diligence and structuring, identify key credit risks and main credit concerns and challenge assumptions prior to formal credit submission. * Other credit related tasks/projects as assigned. Qualifications and Skills * Minimum 3+ years of relevant work experience preferably within a credit risk function (formal credit training preferred). * Solid knowledge of market practices in corporate finance. Undergraduate degree in Finance, Business Administration or related fields. MBA/CFA or other professional qualification preferred. * Experience to handle individual accounts / deals is highly regarded. * Capability to take a standard corporate transaction from inception to approval, with some guidance and supervision where appropriate. * Ability to manage significant deal volume in a fast-paced environment and analyze credit application and prepare written summary in a short timeframe and in a multitasking environment. * Good working knowledge of credit and risk principles including corporate finance, securitization, ABL, supply chain finance, ARP, lease finance, and accounting. * High level of IT literacy, strong written and verbal communication skills (supporting preparation of succinct and focused credit papers), and strong interpersonal skills (supporting collaboration / teamwork). * Willingness to learn the Bank's structure, policies and procedures and new culture / mindset. * Strong analytical skills; detail oriented. * Good organizational skills; ability to prioritize work and manage time effectively. * Business fluency in English. SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required. SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com. Nearest Major Market: New York City

Are you looking for a rewarding career with an organization who puts people first? Would you like to contribute to the mission of supporting agriculture and rural America? Do you enjoy working in a team environment? Do you have a passion for providing a great customer experience? Look no further because Southwest Georgia Farm Credit is seeking a Commercial Credit Analyst to serve our 21-county territory in southwest Georgia. Remote work will be considered based off of experience. Company Profile Southwest Georgia Farm Credit is a financial institution that provides financing for agriculture, agribusiness and rural real estate purchases and improvements. We are headquartered in Bainbridge, with six offices that service 21 counties in the southwestern-most portion of the state of Georgia. With over $600 million in assets, Southwest Georgia Farm Credit is a cooperative and part of the nationwide Farm Credit System. Job Description The Commercial Credit Analyst develops and analyzes all types of credit information for use by loan officers and loan committees in making lending decisions. The successful candidate prepares complete loan packages independently for large loans; completes all documents including projections and analyses; and makes clear and appropriate recommendations for action on loans and loan treatments. The Commercial Credit Analyst requires the most technical and analytical skills, concentrating in commercial credit. The position will provide assistance to relationship managers or credit manager as requested. Required Qualifications Bachelor's degree in business, finance, or accounting and/or experience equivalent to the degree Three or more years of commercial credit analysis Possess a working knowledge of spreadsheets and other customized software Gathers and analyzes information skillfully Uses creative insights into financial situations Analyzes information skillfully and develops alternative solutions Supports and explains reasoning for decisions Exhibits sound and accurate judgement Manages competing demands Remote work considered based off of experience

The Senior Commercial Credit Analyst position has primary responsibility of underwriting leveraged loans, underwriting the larger and most complex requests for commercial loans, commercial lines of credit, commercial time notes and commercial mortgages as well as managing the leveraged loan portfolio. The Sr. Commercial Credit Analyst will also be responsible to underwrite credit cards. Essential Job Functions: * Underwriting loans according to the Banks credit policy and making recommendations for approval or declination. * Thorough analysis, presentation, and recommendation of loan requests to approving authorities. * Underwriting leveraged loans and managing the review process for leveraged loans. * May be granted lending authority and may be eligible for Officer level titles as determined by Senior Management. * Assists in reviewing the Banks policies effecting commercial lending (Commercial Credit Policy, Lending Limits Policy, etc.), and departmental procedures. * Responsible for scheduling and assigning monthly renewals to the analyst team. * Assist the VP, Credit Administration Manager and AVP, Commercial Credit and Portfolio Management in preparing weekly, monthly and quarterly reports as needed. * May be asked to assist with any underwriting software administrative/technical issues and utilization as well as other technology utilized by the Department. * Responsible for assisting management with the training of department interns and new staff. * Efficient interaction with external and internal customers, accountants and other centers of influence. * Knowledgeable of bank and commercial lending processes, departmental information systems and software and applicable legal, compliance, and Federal and State regulatory requirements. * Competence in the Microsoft Office suite, primarily Outlook, Excel and Word. Education & Experience: * BA/BS degree in Business Administration, Finance or Accounting and a minimum of 3 to 5 years of commercial credit experience. * An MBA is preferred. * Should have strong knowledge of the banks credit policy, goals and expectations, and Federal and State banking regulations. * Require a solid understanding of accounting practices, financial statements/tax returns and an ability to identify risk. Salary Range: $100k - $110k Rhinebeck Bank: Local. Involved. Responsible. If you are talented, motivated and can get things done, we have career opportunities for you. We are looking to hire people who want to excel. We will grow your career through coaching, mentoring and supportive management. As an Equal Opportunity / Affirmative Action Employer, Rhinebeck Bank will not discriminate in its employment practices due to an applicant's race, color, religion, sex, national origin, veteran or disability status, sexual orientation, gender identity, transgender status, or any other characteristics protected under applicable law.

Mizuho Americas is a leading financial institution comprising several legal entities, which together offer clients corporate and investment banking, financing, securities, treasury services, asset management, research and more. Mizuho's operations in the Americas connect a broad client base of major corporations, financial institutions and public sector groups to local markets and a vast global network. About the Team: The Americas Credit Department Real Estate team is responsible for credit analysis conducted in connection with approval of credit transactions and ongoing monitoring of real estate related industries, including REIT, home building, and engineering & construction. Clients are diversified across multiple sub-sectors and niche markets. This position provides (i) a great opportunity to cover challenging credits in the real estate space, (ii) strong visibility with senior and executive management, and (iii) exciting career growth prospects. Summary: This position requires an individual who is open minded to new skills and potential new industries, can skillfully serve as a linchpin between the various stakeholders within the branches, agencies and other credit departments. The Credit Officer must possess in-depth industry knowledge and have his/her finger on the pulse of market trend in order to make accurate recommendation to senior management approval or denial of credit requests. Core Responsibilities: * Reviews/assesses credit applications from branches/agencies. * Provides effective analysis of credit including credit worthiness of the applicant, loan structure, risk return, the applicant's operating, financial and industry profiles including historical profit and loss performance, financial condition and cash flow. * Creates various types of projection/enterprise valuation/recovery/other financial models, commenting on the reasonableness of assumptions in both management's and Mizuho's sensitivity cases. * Compares the prospective borrower to its peers and summarize industry trends. * Prepares accurate, clear, well-organized and complete written summary analysis (credit opinion) with recommendation for approval or decline. Discusses with branches/agencies potential changes to credit structure or other conditions for which we would grant credit approval. * Through a careful analysis, recommend appropriate risk rating for each customer/transaction as required. * Conduct comprehensive annual review and quarterly review of each customer. * Directly engages in external meetings/presentations/events with syndicate banks, rating agencies, clients, law firms and other related parties, in co-ordination with coverage bankers, other product partners and Mizuho affiliates. * Proactively monitors and assesses assigned borrowers/industries including market data such as share price, EDF, CDS or loan secondary price or other appropriate indices and reports the information and its impact on credits/industries to senior officers in a timely manner. * Complies with credit standards, policies, objectives and requirements. Plays strong management role with branches/agencies to ensure they understand and comply with the policies. * Acts as liaison between, gathers information (especially on problem customers) from and exchanges views with branches/agencies/other Credit Departments and senior management regarding issues related to credit applications, monitoring, analysis, standards and policies. Qualifications: Proven credit analysis skills and related analytical skills/knowledge/abilities: * Demonstrates strong industry knowledge and information on key industry players within the real estate, home building, and engineering & construction industries. * Exhibits a capacity to analyze the underlying credit trends, including the competence to accurately assess credit migration trends and default possibility of the borrowers. * Aptitude to write well organized, accurate and in-depth reports based on information gathered and thoughtful cash flow projections. * Strong multitasking ability to proactively monitor on an on-going basis the pool of credits to detect potential credit problems at an early stage. * Advanced knowledge of Excel and experience with building comprehensive cash flow projection model. * Strong leadership skill and ability to work with junior officers. Other skills: * 5+ years of credit-related experience - banking experience preferred. * Degree in Accounting, Business, Finance or Economics with strong quantitative background. * Strong time management skills. * Ability to plan and schedule work to meet both long term and short term time frames. * Consistently demonstrates effective negotiation, verbal and written communication skills. Ability to present credit opinion to decision maker. * Excellent interpersonal skills. * Capable of working well independently and as part of the team. * Effectively analyzes and solves problems/issues. * Proficiency with Capital IQ, Bloomberg, MS Excel, Word and PowerPoint * Formalized credit training from an accredited financial institution and proficient financial modeling skills. The expected base salary ranges from $95,000 - $180,000. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications and licenses obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, including Medical, Dental and 401K plans, successful candidates are also eligible to receive a discretionary bonus. #WayUp #Hybrid Other requirements Mizuho has in place a hybrid working program, with varying opportunities for remote work depending on the nature of the role, needs of your department, as well as local laws and regulatory obligations. Roles in some of our departments have greater in-office requirements that will be communicated to you as part of the recruitment process. Company Overview Mizuho Financial Group, Inc. is the 15th largest bank in the world as measured by total assets of ~$2 trillion. Mizuho's 60,000 employees worldwide offer comprehensive financial services to clients in 35 countries and 800 offices throughout the Americas, EMEA and Asia. Mizuho Americas is a leading provider of corporate and investment banking services to clients in the US, Canada, and Latin America. Through its acquisition of Greenhill, Mizuho provides M&A, restructuring and private capital advisory capabilities across Americas, Europe and Asia. Mizuho Americas employs approximately 3,500 professionals, and its capabilities span corporate and investment banking, capital markets, equity and fixed income sales & trading, derivatives, FX, custody and research. Visit *********************** Mizuho Americas offers a competitive total rewards package. We are an EEO/AA Employer - M/F/Disability/Veteran. We participate in the E-Verify program. We maintain a drug-free workplace and reserve the right to require pre- and post-hire drug testing as permitted by applicable law. #LI-MIZUHO

A position at White Cap isn't your ordinary job. You'll work in an exciting and diverse environment, meet interesting people, and have a variety of career opportunities. The White Cap family is committed to Building Trust on Every Job. We do this by being deeply knowledgeable, fully capable, and always dependable, and our associates are the driving force behind this commitment. Job Summary Responsible for notifying customers of delinquent accounts to solicit payment. Receive payment and post to customer's account. Maintain records of collection and status of accounts. Major Tasks, Responsibilities and Key Accountabilities •Performs a wide variety of credit and collection functions for larger or more complex accounts. •Ensures compliance with established guidelines, guidelines reviews and monitors credit sources, credit files, customer applications and delinquent accounts. •Compiles and maintains basic credit information about financial status of customer and status of collection efforts. •Maintains records on credit risks, delinquent accounts and incomplete files. •Ensures compliance with established guidelines. •Performs other duties as assigned. Nature and Scope May modify processes to resolve situations. Under limited supervision, relies on experience and exercises independent judgment to determine the best approach to achieve desired outcomes. Course of action is often determined by interpreting procedures and policies. Work typically involves periodic review of output by a supervisor or direct customers of the process. Is sought out and/or assigned to provide general guidance/direction, training, and technical assistance to junior level support personnel. Contributes to employees' professional development but does not have hiring/firing authority. Work Environment Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable. Most of the time is spent sitting or standing in the same location and/or there may be a need to stoop regularly or move/lift light material or equipment (typically less than 8 pounds). Typically requires overnight travel less than 10% of the time. Education and Experience Technical certification or associate degree may be required in some areas. Generally 5-7 years of experience in a related area of responsibility. Preferred Qualifications 5-7 years B2B Credit and Collections - REQUIRED Construction industry with lien and bond rights knowledge - Preferred Accounts Receivable Credit Analysis and Reconciliations Customer Service/Relationship Building Intermediate Excel skills Tech savvy This position may be remote, or hybrid based on location. Eligible candidates residing in the greater Atlanta area will be asked to work two days a week in our Doraville, GA Field Support Center. If you're looking to play a role in building America, consider one of our open opportunities. We can't wait to meet you.

Job DescriptionDescription: The CBS Difference Cooperative Business Services offers a comprehensive, end-to-end commercial lending solution that empowers financial institutions with cutting-edge software, expert services, and strategic business development resources. Additionally, we support borrowers by providing tailored business loans designed to fuel growth and success. With a focus on innovation and collaboration, CBS ensures seamless processes and enhanced opportunities for lenders and borrowers alike. At CBS, our goal is to set the standard for excellence in business lending. We strive to be the best - in our processes, in our service, and in the results, we help our clients achieve. We're deeply committed to serving our partner credit unions and borrowers with integrity, precision, and a shared vision for sustainable growth. Join us on this journey as we continue to transform the future of commercial lending. Your Role in Our Success The Commercial Special Assets Credit Analyst supports the management and resolution of the organization's special asset portfolio by performing detailed financial analysis, comprehensive document review, and ongoing credit monitoring. The role evaluates borrower and guarantor financial capacity, identifies credit and collateral risk, and provides accurate, timely analysis and recommendations to support workout strategies, risk mitigation efforts, and portfolio decision-making. This position works closely with Special Assets leadership to ensure data integrity, financial transparency, and effective reporting across distressed and higher-risk lending relationships. Here's how you will make an impact: Performs credit analysis and risk assessment by collecting, reviewing, and spreading borrower and guarantor financial information in accordance with departmental guidelines to support sound credit decisions. Analyzes financial performance and repayment capacity by evaluating balance sheets, income statements, cash flow, trends, and variances to identify credit and collateral risk. Supports portfolio monitoring and Special Assets activities by assisting with loan reviews, collateral evaluations, action plans, and ongoing credit oversight. Monitors collateral compliance by verifying real estate tax payments and insurance coverage to ensure adequate risk mitigation. Performs CECL impairment analysis for individually evaluated loans and documents reserve conclusions and recommendations. Maintains accurate and audit-ready loan documentation by organizing files, updating internal systems, and supporting internal and regulatory reporting. Performs related duties as assigned to support effective credit administration and risk management. Preforms other related duties as assigned by management. Requirements: What You Bring to the Table Bachelor's degree in Finance, Accounting, Business, or a related field. 3+ years of experience in commercial credit analysis, loan review, or a similar banking/financial services role. Proficiency with credit spreading software (e.g., Abrigo Sageworks) and Microsoft Office Suite, especially Excel. Familiarity with CECL impairment methodology and collateral evaluation processes is preferred. The Perks of Being with Us At Cooperative Business Services, we believe in creating an environment where you can thrive both personally and professionally. Here's what you can look forward to as a valued member of our team: Compensation: Base compensation for this role ranges from $37.50 - $43.27 hourly. Remote Work Environment Generous Holidays: Take advantage of 13 paid holidays each year Comprehensive Insurance Coverage: Choose from a selection of medical, dental, vision, and supplemental benefit plans to suit your needs. Additionally, the company provides company-paid Short-Term Disability (STD), Long-Term Disability (LTD), and life insurance equivalent to 1 time your salary. 401(k) Plan: The company provides a generous matching contribution of up to 6%. Tuition Assistance

Through Ownership pride, the Credit Solutions Professional enhances the overall experience for members and internal owners by exhibiting versatility and other Ideal Team Player Virtues & Attributes including an intrinsic drive to deliver the “WOW” member service experience with each encounter and by contributing to the Team's solutions focused efforts. The Credit Solutions Professional proficiently identifies and establishes strong connections between member needs and mutually valuable credit repair solutions that help members through their financial hardships in support of Northern's Mission, Vision & Strategic direction. ESSENTIAL JOB FUNCTIONS: Proactively serves as a role model and demonstrates individual commitment to Northern's Ownership philosophy by: Exhibiting high energy, a positive attitude, creativity and passion for member service. Maintaining an active, positive, professional image and reputation for Northern in the community while spreading the Ownership philosophy internally and externally. Engaging in the recommendation, research, development and implementation of enhancements to further promote Northern's Culture and the Standard of Excellence for Member Service. Keeping open communication alive by inspiring owner participation on teams, listening to owner ideas, holding meetings and publishing regular announcements. Committing to improve our engagement with local communities within our chartered areas. Proactively monitors and assists with reducing the Credit Union's overall delinquency by: Effectively collaborates with members to assess the causes of account and loan delinquency and develops tailored solutions such as payment arrangements, deferrals, due date revisions, re-aging or modification plans, and loan refinancing as warranted. Confidently communicating with members who show a negative balance, have returned checks or are delinquent borrowers for immediate procurement of past due payments. Accurately preparing accounts and attending bankruptcy meetings on behalf of the credit union when deemed appropriate. Ensuring timely ordering, reviewing, and comparing bankruptcy petitions to member's file; as well as preparing reaffirmation agreements and proof of claims as required. Consistently applying skip tracing techniques to locate and reengage members Northern has lost contact with, aiding in account delinquency recovery and loan portfolio management. Maintaining strict confidentiality in accordance with Northern's Confidentiality Policy. Effectively partner with outside vendors and attorneys to reduce overall Credit Union delinquency by: Accurately preparing and referring accounts to attorneys for legal action on foreclosures, replevins, deficiency balances and charge-offs, when applicable. Effectively selecting and coordinating repossession of assets linked to delinquent accounts. Proactively following up with credit union attorneys during legal action against debtors involving foreclosures, replevins, deficiency balances and charge-offs. Effectively reviewing State National (Insurtrak) reports and working with State National regarding members who are about to have, or have had, insurance forced placed on their accounts. Efficiently processes total loss claims received from insurance companies and reviews and processes Trustage insurance benefits, credit disability, credit life and GAP coverage. Thoroughly reviews and processes levies and restraining notices, maintaining accurate records, updating all required internal systems, and completing necessary communications. Through collaboration and team communication, ensures the overall success and growth of the Credit Solutions area through: Supporting the overall success and growth of the Credit Solutions area through collaboration and effective team communication. Assisting the Credit Solutions Manager by partnering with Career Training & Development and Owner Engagement teams to deliver training for new and existing Internal Owners. Proactively ensures processes and procedures are communicated clearly to support departmental initiatives. Collaborating with departments such as Fraud Prevention, Underwriting, Home Lending, and Member Relations to develop proactive approaches that minimize delinquencies. Effectively communicates with team members by providing feedback, sharing best practices, and fostering a positive team environment. Promoting the Northern's member-centric philosophy and demonstrates the “Standard of Excellence” by actively participating in department meetings, staying informed on organizational initiatives, and maintaining a professional presence in all interactions, including virtual communications. Contributes to Northern's Financial Wellness Program by working with Member Relations to identify members in need of credit repair and proactively building relationships through education on available products and services. OTHER JOB FUNCTIONS: Through Ownership Pride, promote Northern's Core Values throughout the organization. Promotes teamwork within the Credit Union and actively seeks solutions to issues related to member and internal owner expectations. Actively participates in other Credit Union duties, functions, committees, and events as may be reasonably requested, or on a volunteer basis. Collaborates with the Marketing Department to coordinate efforts of special promotions such as the “skip a pay” program. Provides informed, prompt, professional and accurate communication, service and support to all members and internal owners. Stays informed and maintains a working knowledge of credit union regulations, policies and procedures, products/services and delivery channels. Develops and maintains key business relationships with vendors, association groups, and other parties as necessary and appropriate in support of Credit Union programs. Participates in the future of the credit union by offering constructive suggestions that may attract new members and/or enhance product penetration. Must be technologically savvy especially as it relates to self-service options and keeps abreast of evolving consumer needs and trends. Must adapt well to new or non-traditional environments and display a commitment to the community, to increasing member engagement and to Northern's objectives. Identifies and participates in educational programs such as Cornerstone online training resources, schools and/or conferences to continually develop greater knowledge and expertise in credit solutions. Takes initiative for personal career development and seeks opportunities to learn new skills. Telecommute work environment with local travel to Northern's Relationship Centers as needed. All other duties as assigned QUALIFICATIONS, SKILLS AND EXPERIENCE: Associates degree from accredited college or university with a specialized course of study at a business or trade school in a related field is preferred. 6 months to 2 years of progressive experience in direct consumer collections is required. Experience in commercial collections is preferred. Financial Counselor Certification is preferred. Exceptional member service skills are required: positive solutions focused approach, product and service knowledge, attention to detail, and adherence to operational policies and procedures. The incumbent must be a persuasive communicator with excellent command of verbal and written presentations. Clear communication with internal and external members through verbal and written correspondence is required along with the ability to effectively develop and motivate people in one-on-one and in small group situations is essential. A significant level of diplomacy is required with a proven ability to work under pressure and remain calm in tense situations with both internal and external customers. Proven ability and maturity to handle confidential/sensitive information in a professional manner is required. Must be a high energy person who is self-motivated and results oriented and able to work in a fast paced environment. A full working knowledge and ability to utilize a broad range of PC-based software programs, including Microsoft Office Suite and other internal database programs. Physical Activities and Requirements of this Position: Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together. Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly. Average Hearing: Able to hear average or normal conversations and receive ordinary information. Repetitive Motions: Movements frequently and regularly required using the wrists, hands, and/or fingers. Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate office equipment. Physical Strength: The employee is frequently required to stand and must be able to lift 30 lbs. on occasion. Working Conditions: No hazardous or significantly unpleasant conditions. (Such as in a typical office) Mental Activities and Requirements of this Position Reasoning Ability: Ability to apply common sense understanding to carry out detailed but uninvolved instructions and to deal with problems involving few variables. Mathematics Ability: Ability to perform basic math skills, use decimals to compute ratios, and percents, and to draw and interpret graphs. Language Ability: Ability to read a variety of books, magazines, instruction manuals, and online resources. Ability to prepare memos, reports, and essays using proper punctuation, spelling, and grammar. Ability to communicate distinctly with appropriate pauses and emphasis, correct pronunciation (or sign equivalent), and variation in word order using present, perfect, and future tenses. Compensation: The base pay range for this position is $24.99 - $31.62 per hour. Exact offers will be determined based on job-related knowledge, skills, and experience.

Credit Analyst - To $40/hr - Remote - (1099/Contract) - Job # 3448Who We AreThe Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & San Antonio, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves!We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.The PositionOur bank client is seeking to fill a Remote 1099/Contract Credit Analyst role. The successful Credit Analyst candidate will be responsible for processing daily credit transactions per the credit policy and procedures, and maintaining records and files on all credit transactions, including correspondence and documents.The opportunity has a generous hourly rate of up to $40/hr and a benefits package. (This is a remote position).Credit Analyst responsibilities include: Performing in-depth financial analysis (spreading and analyzing financial statements). Receiving data on prospective and active borrowing accounts, i.e., financial statements, tax returns, agency and credit reports, and interview and investigation sheets. Analyzing data and evaluates the short- and long-run prospects of the individual or company. Making recommendations to appropriate personnel on the granting or denying of loans. Preparing sufficient information to document recommendations, if assigned to a lending function. Suggesting a loan grade after conducting a thorough credit analysis and documentation review. Ensuring that all credit analysis activities are conducted in accordance with prescribed lending policy. Providing thorough documentation of all financial analysis work, including ratios, cash flow, and collateral analysis, and other related information. Accompanying Commercial Lenders on customer's meetings when needed. Providing leadership, on-the-job training, and technical guidance to the other credit analysts. All other duties assigned. Who Are You?You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.You also bring the following skills and experience: Bachelor's Degree in a related field of study preferred specialized financial analysis training. Five or more years of experience as a Credit Analyst required. Experienced in preparing credit presentations. Able to manage/process/track annual reviews of the necessary credits. Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations. Proficient ability to analyze and interpret financial statements. Excellent written and verbal communication skills. Strong organizational skills with an eye for detail. Ability to multi-task. Adept with spreadsheet and word processing software as well as have experience working in a digital office environment. The next step is yours. Email us your current resume along with the position you are considering to:************************

Job Title: Senior Credit Officer - Commercial Reports To: Chief Commercial Credit Officer United Community is looking for a Senior Credit Officer - Commercial to work with Community Bank Executives and Corporate Banking leadership to achieve high credit quality via the loan approval process. Position can sit in Greenville, SC or Orlando, FL. What You'll Do • Work with Community Bank Executives, Commercial Banking Solutions (Specialty Lending Groups) and Regional Credit Managers to promote the credit culture of United Community Bank • Protect the assets of the bank through the proper execution and administration of risk management policies and procedures. Assumes accountability for quality approval decisions and the overall quality of the assigned loan portfolio. • Approve larger credits in a timely and efficient manner helping to ensure customers' expectations are met • Serve as “gatekeeper” for approval of larger credits and assists in enforcing the bank's house limit • Recommends approval of changes in underwriting procedures and policies • Partner with State Presidents and Team Leads within Commercial Banking Solutions to execute on our credit culture, grow the portfolio and maintain strong portfolio credit metrics. • Acts in an advisory and referral role to lenders and analysts in matters of compliance, regulation and policy • Supervise activities of the Regional Credit Managers • Assist in monitoring credit quality including responsibilities for portfolio risk ratings, and oversight of criticized asset and portfolio review meetings • Direct and assist in the preparation of each bank for regulatory examinations. Works directly with bank regulators during the examination process. • Coordinate credit portion of due diligence efforts with regard to new bank acquisitions • Assist in training new lenders and the on-going training on policies, procedures and culture • Perform annual performance reviews along with an effective management plan consisting of goals for staff • Perform other duties as assigned Requirements For Success • College degree or equivalent • Minimum 10 years' experience in a regulatory or commercial lending background with at least 5 years of credit approval experience with C&I, Middle Market and Commercial Real Estate. • Strong leadership skills with extensive supervisory and managerial experience and the ability to build strong teams. • Excellent interpersonal and communication skills; and the ability to solve problems. • Participate and complete all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc. Conditions of Employment • Must be able to pass a background & credit check • This is a full-time, non-remote position that requires schedule flexibility to work evenings and weekends as needed. • Up to 20% travel required. FLSA Status: Exempt Pay Range USD $0.00 - USD $0.00 /Yr.

Handshake is recruiting Credit Analyst Professionals to contribute to an hourly, temporary AI research project-but there's no AI experience needed. In this program, you'll leverage your professional experience to evaluate what AI models produce in your field, assess content related to your field of work, and deliver clear, structured feedback that strengthens the model's understanding of your workplace tasks and language. The Handshake AI opportunity runs year-round, with project opportunities opening periodically across different areas of expertise. Details The position is remote and asynchronous; work independently from wherever you are. The hours are flexible, with no minimum commitment, but most average 5-20 hrs The work includes developing prompts for AI models that reflect your field, and then evaluating responses. You'll learn new skills and contribute to how AI is used in your field Your placement into a project will be dependent on project availability-if you apply now and can't work on this project, more will be available soon. Qualifications You have at least 4 years of professional experience in one or more of the following types of work. The examples below reflect the types of real-world responsibilities that you might have had in your role that will give you the context needed to evaluate and train high-quality AI models Evaluate financial statements and credit data to assess risk in extending credit or loans, and prepare detailed reports for loan committee approvals. Generate financial ratios to assess customer financial status and compare industry benchmarks. Engage with customers to resolve complaints, verify transactions, and manage delinquent accounts. You're able to participate in asynchronous work in partnership with leading AI labs. Application Process Create a Handshake account Upload your resume and verify your identity Get matched and onboarded into relevant projects Start working and earning Work authorization information F-1 students who are eligible for CPT or OPT may be eligible for projects on Handshake AI. Work with your Designated School Official to determine your eligibility. If your school requires a CPT course, Handshake AI may not meet your school's requirements. STEM OPT is not supported. for more information on what types of work authorizations are supported on Handshake AI.

Welcome! We're excited you're considering an opportunity with us! To apply to this position and be considered, click the Apply button located above this message and complete the application in full. Below, you'll find other important information about this position. Responsible for resolution of credit balances and refunds. MINIMUM QUALIFICATIONS: EDUCATION, CERTIFICATION, AND/OR LICENSURE: 1. High school diploma or equivalent. PREFERRED QUALIFICATIONS: EXPERIENCE: 1. One (1) year experience in a healthcare setting CORE DUTIES AND RESPONSIBILITIES: The statements described here are intended to describe the general nature of work being performed by people assigned to this position. They are not intended to be constructed as an all-inclusive list of all responsibilities and duties. Other duties may be assigned. 1. Resolves credit balances identified through Epic work queues, an internal credit balance report, billing, cash posting, or payer or patient/guarantor request. 2. Researches refund requests and recommendations as appropriate. Provides complete and accurate disputes when refunds are not warranted 3. Reviews entire guarantor record to identify accounts across all facility locations with open patient responsibilities and transfers patient payments and/or adjustments when appropriate. 4. Gathers statistics, completes reports and performs other duties as scheduled or requested. 5. Organizes and executes daily tasks in appropriate priority to achieve optimal productivity, accountability and efficiency. 6. Participates in educational programs to meet mandatory requirements and identified needs with regard to job and personal growth. 7. Attends department meetings, teleconferences and webcasts as necessary. 8. Monitors accounts to facilitate timely follow-up and payment to maximize cash receipts. 9. Provides excellent customer service to patients, visitors and employees. 10. Participates in performance improvement initiatives as requested. 11. Works with supervisor and manager to develop and exceed annual goals. 12. Maintains confidentiality according to policy when interacting with patients, physicians, families, co-workers and the public regarding demographic/clinical/financial information. PHYSICAL REQUIREMENTS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Frequent walking, standing, stooping, kneeling, reaching, pushing, pulling, lifting, grasping, and feeling are necessary body movements utilized in preforming duties throughout the work shift. 2. Visual acuity must be within normal range. 3. Must be able to exert in excess of 50 lbs. of force occasionally, and/or up to 25 pounds of force frequently, and/or up to 10 pounds for force constantly to move objects. 4. Must have manual dexterity to operate keyboards, fax machines, telephones, and other business equipment. WORKING ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Exposed to high stress and constant interruptions. 2. Normal business office surroundings. SKILLS AND ABILITIES: 1. Professional interactions at all times. 2. Excellent oral and written communication skills. 3. Knowledge of medical terminology. 4. Knowledge of third party payors. 5. Knowledge of collection procedures. 6. Knowledge of ICS-9 and CPT coding. 7. Excellent Customer Service and telephone etiquette 8. Ability to use tact and diplomacy in dealing with others. 9. Demonstrated customer service relations. 10. Analytical skills necessary for problem solving 11. Knowledge of Fair Debt Collection Act. 12. Specialized courses or seminars over and above high school that are directly related to collections, medical field, hospital business office setting. 13. Ability to understand written and oral communication. Additional Job Description: Scheduled Weekly Hours: 40 Shift: Day (United States of America) Exempt/Non-Exempt: United States of America (Non-Exempt) Company: SYSTEM West Virginia University Health System Cost Center: 544 UHA Patient Financial Services

Job Description Meriton is a national team of experts driving HVAC innovation through a network of high-performing companies. From strategy and support to systems and solutions, we work behind the scenes to strengthen operations and build value-for our partners and our people. If you're looking to make an impact, we're glad you're here. At Meriton, you'll join a team that believes in big ideas, doing great work, and building careers that matter-every step of the way. Position Description Job Title: Credit Analyst Reports To: Credit & Collections Supervisor FLSA Status: Exempt Location: Shared Services Office, Irving, TX (Hybrid) Summary: The Credit Analyst serves as a senior individual contributor responsible for performing complex financial analysis, managing high-risk accounts, and providing oversight for credit risk management and customer master data integrity across multiple business units. This role includes credit approvals, portfolio analytics, and performance reporting to support sound financial decision-making and compliance with company policies. The Senior Credit Analyst acts as a subject matter expert and mentor to peers, driving process improvements and risk reduction initiatives across the credit function. Essential Duties and Responsibilities: Credit Analysis: Review and approve credit applications within delegated authority limits. Conduct in-depth financial statement analysis, risk scoring, and exposure aggregation across multiple entities. Recommend credit terms and limits for high-value or high-risk accounts. Ensure credit limit reviews are completed every 6-12 months or upon trigger events. Support legal and management teams in escalated credit or lien issues. Portfolio Monitoring & Reporting: Analyze A/R aging and DSO performance; identify exposure concentrations. Track and report portfolio-level credit KPIs in Power BI and Excel dashboards. Perform root cause analysis of delinquencies or credit losses. Provide inputs for bad debt allowance and reserve calculations. Oversee compliance with SOX and audit standards for documentation accuracy. System Oversight: Maintain integrity of customer master data within Microsoft Dynamics 365. Identify and resolve duplicate accounts across operating companies. Support integration of new business units or system migrations. Build and enhance analytical reports and credit dashboards in Power BI. Collaboration & Support: Coordinate with operations, collections, and sales to manage customer risk and resolve disputes. Mentor junior credit analysts and assist in training cross-functional staff. Participate in credit committee meetings and present portfolio analysis to leadership. Contribute to internal controls testing and process improvement initiatives. Other Duties: Regular, consistent and necessary attendance to meet the needs of the business. Performs other duties and responsibilities as assigned. Must conduct self in an ethical, legal, and responsible manner at all times. Must adhere to the policies, principles, and guidance within the Employee Handbook and Code of Conduct. Competencies Elevated professionalism which demonstrates tempered emotions, empathy, positive intent, and integrity in all interactions. Excellent communication and interpersonal skills with the ability to build strong relationships across all levels of the organization. Strong verbal and written communication skills Ability to effectively communicate and present information one-on-one and in group situations, and outside of the company. Ability to solve practical problems and manage a variety of variables in situations and with problems where only limited information or standardization exists Strong attention to detail Ability to work in a fast-paced environment Must be a self-starter, independent, and strong organization skills, with the ability to manage multiple priorities and deadlines at any given time Ability to establish and build effective working relationships with colleagues and staff. Acceptance of a variety of lifestyles, behaviors, and cultural, and spiritual practices Education/Experience: Bachelor's degree preferred. 5+ years of experience in credit analysis, financial review, or related accounting/finance role. Strong analytical skills with ability to interpret financial statements. Proficiency with Microsoft Dynamics 365, F&O, Excel (pivot tables, xlookups), and Outlook. Experience with ticketing or case management systems preferred. Strong understanding of multi-entity exposure aggregation and risk reporting. Experience supporting SOX compliance, audits, and process improvement projects. Must be proficient in the Microsoft Office Suite, including Outlook, Excel, PowerPoint and Word Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essentials functions. The noise level in the work environment is usually moderate. The workplace is in a corporate office environment and the temperature in the work environment is usually moderate. The position's primary office is the Shared Services, Irving, TX office; however, telework or work at home, on the road, or in a satellite location for portions of the workweek may occur, depending upon project needs and requirements in coordination with your direct supervisor and/or most senior leader of your department. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable the individuals with disabilities to perform the essentials functions. Must be able to walk, bend, stand, and reach constantly during a workday. Must be able to lift 15 - 20 lbs. Standing for long periods of time (4-5 hours) occasionally Must be able travel via plane or car to events Employment practices will not be influenced or affected by an applicant's or employee's race, color, religion, sex (including pregnancy), national origin, age, disability, genetic information, sexual orientation, gender identity or expression, veteran status or any other legally protected status. Reasonable accommodations will be made for qualified individuals with disabilities unless doing so would result in an undue hardship. Salary ranges listed are dependent upon a candidate's qualifications, experience, internal equity, and the budgeted amount for the specific role and location.

Job Description LendingOne is a direct private lender for Real Estate professionals headquartered in Boca Raton, FL with additional offices in Charlotte, NC and Great Neck, NY. LendingOne made the Inc. 500 list of the fastest-growing private companies in America in 2019. Along with being rated one of the Top Workplaces in 2025 - for the fourth consecutive year - by Sun Sentinel! We specialize in providing business-purpose mortgage loans for non-owner-occupied investment properties. We offer fix/flip bridge loans and long-term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently. LendingOne and its affiliates have extensive real estate experience and have provided over $7 Billion in real estate capital. The Opportunity: We're seeking a skilled and detail-obsessed Credit Analyst/Underwriter who can dive into complex financials, spot potential risks, and deliver sound lending decisions-while working closely with our Sales team to help clients achieve their real estate investment goals. If you're the type who enjoys digging into the numbers, thrives under deadlines, and takes pride in delivering accurate, thoughtful evaluations, this role will give you both challenge and reward. This is a full-time employment opportunity working in our Headquarters Office in Boca Raton, FL, or in our Charlotte, NC office. What You'll Do: Perform full credit analysis and underwriting on business-purpose loans, evaluating borrowers and properties in detail. Review financial statements, analyze creditworthiness, and verify key data points such as acquisition costs, renovation budgets, rental income, and market comps. Identify risks and recommend alternative financing solutions when needed. Prepare clear and concise underwriting summaries with both quantitative and qualitative insights. Communicate underwriting decisions and rationale to internal stakeholders, particularly the Sales team. Review appraisal reports to ensure they meet company standards. Maintain productivity and turnaround times in line with department goals. Prioritize caseload effectively to meet multiple deadlines. Requirements Minimum 3 years of underwriting experience within private lending. High attention to detail and accuracy in financial analysis. Strong critical thinking skills with the ability to identify inconsistencies and propose solutions. Excellent written and verbal communication skills. Ability to manage multiple priorities and deliver on tight timelines. Positive, team-oriented attitude with strong problem-solving skills. Proficiency in CRM systems and Microsoft Office/Google Workspace. Bonus points for experience with DSCR, Fix & Flip, and New Construction loans, or a degree in Finance, Business, or Economics. Benefits Why LendingOne: Diverse and inclusive workplace, with a supportive and friendly team Company awards, recognitions, and community involvement opportunities Comprehensive benefits package: medical, dental, vision, short and long-term disability, flexible spending accounts, generous 401(k) match, and more! 10 Company-paid holidays, and Paid-time Off Work-From-Home Fridays! Regular company-sponsored lunches, team-building and social events, and company swag to promote engagement and connection We believe in promoting from within Dedicated Learning & Development Team: comprehensive technical training, career paths, and education reimbursement opportunities! LendingOne is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, national origin, gender, age, religion, disability, sexual orientation, veteran status, or marital status.

Job Description Post all payments to the practice management system. Process End of Day. Perform duties, processes and functions assigned by management. . Work is conducted remotely, outside of a traditional office environment. Must be able to perform work at a dedicated work space with limited interruption or distraction, and high speed internet capability with 25 Mbps download speed/10 Mbps upload speed. ESSENTIAL FUNCTIONS · Review credit balance reports for potential refunds to insurance companies and/or patients. · Transfer patient overpayment to existing patient balance if appropriate. · Research insurance company requests for refunds and either dispute or submit as appropriate. Process refund requests for charges with missing documentation. · Monitor and work unresolved accounts and submit all refund requests for approval. · Work patient credit balances and manage insurance refund report and overpaid claims work list in Athena in a timely manner. · Report to the office location, as needed. · Perform other responsibilities associated with this position as deemed appropriate to ensure the success of the Business Office. GENERAL COMPENTENCIES DESIRED · Self-motivated, with the ability to work independently, with minimal supervision. · Knowledge of insurance terminology, CCI/bundling issues, CPT, ICD-10, HCPC and contractual agreements. · Familiarity with Medicare, Medicaid, HMO and commercial guidelines. · Ability to maintain confidentiality of patient and personnel information. · Detail-oriented paying close attention to accuracy. · Strong interpersonal skills. · Ability to be comfortable in learning and using digital tools. · Strong PC skills required to include all Microsoft applications, practice management systems and electronic health records. · Good problem solving skills required in order to maximize effectiveness and efficiency of job duties. PHYSICAL DEMANDS Requires sitting for long periods of time. Requires eye-hand coordination and manual dexterity sufficient to operate a keyboard, photocopier, scanner, telephone, calculator and other office equipment. Requires normal range of hearing and eye sight to record, prepare and communicate appropriate reports. Requires the ability to work under stressful conditions and/or irregular hours to meet deadlines. CREDENTIALS DESIRED Must have a high school diploma or equivalent education and at least one year of prior work experience in a medical business office. HOURS: Monday-Friday Orthopaedic Solutions Management is a Drug Free Workplace We are committed to maintaining a safe, healthy, and productive work environment. As part of this commitment, we operate as a drug-free workplace. All candidates will be required to undergo pre-employment drug screening and/or be subject to random drug testing in accordance with applicable laws and company policy.

) Country: United States of America It Starts Here: Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what's possible. This is more than a strategic shift. It's a chance for driven professionals to grow, learn, and make a real difference. If you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Sr. Specialist, Pricing & Credit Model Analyst is responsible for developing pricing and risk-based models to optimize Auto loan pricing strategies. This role also involves development and maintenance of sophisticated empirical models - including credit scoring models. The position is highly quantitative in nature and requires an individual capable of taking a "hands-on" approach to data analysis. You will work closely with credit risk, finance, data science, and product teams to deliver actionable insights that balance risk, profitability, and competitiveness. This position blends strategic business problem solving with quantitative modeling expertise. You will work closely with leadership to translate complex data insights into clear business actions. Develops a thorough understanding of the firm's operations and business practices. Applies statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations. Utilizes data mining and statistical techniques to develop analytic insights, sound hypotheses, and informed recommendations. Develop pricing frameworks that balance yield, risk, and volume objectives. Incorporate credit risk, customer behavior, collateral trend and market data into pricing algorithms. Develop actionable recommendations to improve underwriting strategy, portfolio performance, and credit policies. Explore opportunity to enhance Dealer Management program to grow our business with top-performing partners. Participates in the construction of complex mathematical models - including credit origination and customer behavior scorecards - which directly support critical decision-making processes. Contribute to continuous process improvements in data quality, reporting, and automation. Liaisons with IT and other internal teams to define requirements and ensure the timely and accurate delivery of data elements for analytic projects, changes to Pricing & Policy. Encapsulates analytic findings into executive-level summary documents to support senior management decision-making. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Required. Master's Degree Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience. - Preferred. Ph.D. Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Preferred. 3+ Years Analytics in Financial Services Industry or equivalent. - Required. 3+ Years Indirect subprime Auto Financial Services Industry experience. - Preferred. 3+ Years Prior experience developing credit scoring models preferred. - Preferred. Familiarity with logistic regression models, segmentation and variable reduction techniques, hypothesis testing, neural networks, design of experiments, ANOVA, decision trees, and linear regression. Prior experience working with credit bureau data preferred. Demonstrated ability to use SQL and SAS to extract data from multiple data sources. Working knowledge of Python/R preferred. Demonstrated ability to merge, concatenate, and prepare extremely large datasets for statistical analysis and mathematical model development. Demonstrated ability to create complex pivot tables in MS Excel. Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience. Ability to translate analysis into a clear business plan. Strong written and verbal communication skills. Ability to maintain confidentiality. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. **Location: Dallas, Texas. Hybrid role requiring up to 3 days/week in the office.** What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range: Minimum: $65,625.00 USD Maximum: $145,000.00 USD We Value Your Impact: Your contribution matters and it's recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this . The employer has the right to revise this at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ****************** to discuss your needs.

First Help Financial (FHF) is a fast-growing and culturally diverse company in the U.S. We provide auto loans to the underserved and care for our customers and partners with exceptional service. Through flexible financing options and tri-lingual support, we offer consumers an easier way to finance their first car. We lend to and support our portfolio which has consistently grown 30%+ each year over the last nine years. Here you will find hard-working colleagues who come from over 20 countries. We hold ourselves to the highest standards of professionalism but also enjoy our work. Our culture and benefits are geared towards making you successful in life and comfortable at work. Your Title: Credit Analyst Your Location: Anywhere within the USA - MST/PST time zones only You Report To: Underwriting Manager Your Schedule: 4 days a week 10 hours a day flexibility! Saturday and Monday 10am-8:30pm PST, (the other days will be determined by management) Your Compensation: $28.50/hr + plus quarterly bonus! Learn more about our awesome Underwriting Department About the opportunity: You will manage the application origination relationship between FHF and dealers, working methodically to develop a thorough understanding of applicants' profiles and assess risk by reviewing application information and conducting preliminary phone interviews when needed. Additionally, you are responsible for helping the team meet all monthly and quarterly origination goals by booking approved applications. This will be a full-time, remote position. What you will do: Your responsibilities include but are not limited to: Make timely and accurate credit decisions within the company's fair lending, credit, and collateral guidelines. Establish and maintain good relationships with dealers. Work with the Outside Sales team to improve app flow, look-to-book, and credit quality of our dealer partners. Negotiate with dealers to buy deals on the best possible terms for FHF while still maintaining dealer satisfaction. Follow up on deals to try to capture business and solicit dealers for new or more business. Conduct preliminary credit interviews with prospective clients to validate critical information (when applicable). Perform related administrative, clerical, or customer service duties. Other projects may apply What you bring: BA/BS degree and/or equivalent work experience required Demonstrates historical career stabilitly 1 year of previous financial or banking experience Bilingual (English/Spanish or Portuguese) Excellent communication skills Ability to multitask, self-reliant Proficient knowledge of Excel and Outlook FHF Benefits… Great Perks - We offer generous salaries, competitive health and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and much more), paid vacation, 401(k) match, tuition reimbursement, social activities, monthly lunches, a robust employee recognition and talent development program to enhance your career with us. Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself. Growth - Company growth provides unprecedented career growth. FHF's extraordinary year over year growth in revenue and new markets provides opportunity for you to establish and develop your career growth. We engage each employee to build a career plan that benefits everyone and we have a proven record of investing in you . Diversity and Inclusion FHF is committed to building a culture that respects and embraces all walks of life, inclusive of all genders, race, culture, sexual orientation, age, and other identities. We will make accommodations when interviewing anyone with special needs.